I do need to rein it in a lot. I had been very, very careful for ages, but then I had two or three reasonably large unforeseen expenses that I couldn't help & which were really dismaying as I actually had some savings for once which they wiped out & then some... Then ADHD kicked in hard (what's the point in being extra careful if you get screwed over anyway) and went crayyyyyyyyzeeeee, and now I need to spend zero between now and 2069 to get back on track! Whoops!